Health Insurance in Waukegan, IL

Health Insurance in Waukegan, IL

Residents of Waukegan can compare marketplace health plans from Blue Cross Blue Shield of Illinois, Ambetter from Celtic Insurance, Aetna, Cigna, Molina Healthcare, Oscar Health. The leading carrier in Waukegan is Blue Cross Blue Shield of Illinois. Waukegan is in Lake County near the Wisconsin border with a diverse population including many Hispanic and immigrant workers who may be new to the marketplace.

How Residents in Waukegan Buy Coverage

Illinois does not use HealthCare.gov. Waukegan residents enroll through Get Covered Illinois, the state-based exchange, which publishes its own carrier list and county-level rates each autumn. Deadlines and special enrollment rules can differ from the federal marketplace — confirm current dates on Get Covered Illinois before enrolling.

Local Hospitals in Waukegan, IL

• Vista Medical Center East (Waukegan)
• Northwestern Medicine Lake Forest Hospital
• Advocate Condell Medical Center (Libertyville)

Verify your preferred hospital is in-network on any plan before enrolling. Contact the insurer's provider directory for confirmation.

Urgent Care Centers in Waukegan

• Northwestern Medicine Urgent Care Waukegan
• Advocate Immediate Care
• Concentra Urgent Care Waukegan

ACA Subsidies for Waukegan Residents

At 351% of the Federal Poverty Level, residents earning around the Waukegan median income of $55,000 qualify for ACA premium tax credits on the marketplace. Under current subsidy rules, the most a single adult at this income pays for a benchmark Silver plan is $390 per month, and most enrollees pay less after plan-level cost-sharing reductions.

Waukegan residents enroll through GetCoveredIllinois, the state-run marketplace. Open Enrollment runs November 1 through January 15. Special Enrollment Periods are available within 60 days of losing other coverage, marriage, birth of a child, or a move. A licensed broker can confirm your exact subsidy amount based on your income and household size before you enroll.

Waukegan Health Insurance Market Profile

• Population: 90K
• County: Lake County
• Median Household Income: $55,000 (~351% of the 2026 FPL)
• Marketplace: GetCoveredIllinois